alright, would you keep a Yellow Labrador in a walk in closet its whole life just because it doesn't die?? How about keeping a Siamese cat in a cardboard box? Seriously there is a quality of life issue here.
There are plenty of fish that you can keep in smaller tanks then a 55. The idea that you have to have an oscar, Jack Dempsey, Clown Loach, Discus, etc even though you cannot afford to care for it is assinine. Personally I don't subscribe to grow out tanks. I recently purchased a larger tank because I wanted to keep some Raphael Catfish. I waited until after I had purchased the tank and had it setup before I bought any fish. I have never been into the whole grow out tank idea.
If you want bottom dwellers that you can keep in a 55, go with any of the numerous species of synos or raphaels that will fit in that tank. I will tell you right now, featherfins have a slew of personality, and if you have several of them, Raphs are much more social then many think.
If you can't get a 55, go with a syno decorus, or cory cats. They have a slew of personality. The point is, if you can't provide for them you don't have to have any fish.
To the individual who started this thread--this isn't directed at you, it is directed at certain individuals who blantantly believe it is their right to abuse and poorly care for fish by vastly overstocking their tanks.